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Financial Health Calculator

See where your money stands. A few numbers can help you understand your monthly balance, savings, and emergency cushion.

Start with your numbers

Use monthly amounts in one currency. Enter 0 where a cost or saving does not apply.

Changes the display currency, without converting amounts.
After-tax income. Average irregular earnings over a typical month.
All living costs, excluding debt payments and savings below.
Loan, credit card, and mortgage payments. Count each payment only once.
Money set aside from take-home pay, including investments and emergency savings.
Accessible emergency savings available today, rather than monthly contributions.
3 months

Choose how many months of expenses your emergency fund should cover.

Your monthly snapshot

Add your numbers and calculate, or try an example to see how it works.

Your amounts stay on this page. Nothing is saved or sent to a server.

Optional checkupFinancial wellbeing checkup

A personal review beyond the monthly numbers. Skip any area you are unsure about. Your answers stay on this page.

Bill payments

I can pay my bills by their due dates.

Manageable debt

I can manage my debt payments, or have no debt.

Longer-term goals

I regularly set money aside for my longer-term goals.

Financial protection

I have reviewed how insurance or other support would cover a major setback.

Planning ahead

I plan for irregular costs and upcoming expenses.

Money confidence

I understand my finances well enough to choose my next step.

How this calculator works

Four simple measures. A clearer picture of your money.

Monthly balance

What remains after living expenses, debt payments, and savings contributions.

Income − expenses − debt payments − savings

Debt payment share

Debt payments ÷ take-home income. Lenders use a different debt-to-income calculation.

Debt payments ÷ take-home income × 100

Emergency cushion

How long emergency savings could cover living expenses and debt payments.

Emergency savings ÷ (expenses + debt payments)

Savings rate

Money set aside from take-home pay, including investments and emergency savings.

Savings contributions ÷ take-home income × 100

An educational estimate, not financial advice or a credit score. This snapshot does not assess your full financial situation.